We offer secure collateral watch loans with a simple process for leveraging your luxury timepieces. Borrow from $2,000 to $10 million and keep your watch in your name.
Instant Loan Offer Against Your Watch Within 30 Minutes.
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Qollateral makes it easy to take out loans on watches. Meet with our client financing team for an expert valuation of your luxury watch, and maximize your borrowing amount without any upfront fees. As a luxury watch buyer, we work with high-end clients every single day to liquefy their timepieces for same-day loans.
Unlike a bank, we specialize in luxury watch lending, so your valuation is done by people who follow the secondary market for your specific reference. Get the highest loan value for your watch, plus the confidence that comes with a fully secure, fully discreet collateral loan.
We structure these as personal loans with luxury watches held as security, not as a sale. You keep ownership of the watch, and you keep any future appreciation.
The Qollateral loan process starts with a private consultation at our office, located in the International Gem Tower, one of the nation’s most secure buildings, in the heart of New York City’s diamond district. Too far to travel? We can also arrange an online appraisal for your convenience.
During your consultation, our experts will evaluate your timepiece and give it a fair valuation based on its secondary market value. This evaluation is provided without pressure or obligation, so it’s up to you whether you want to move forward with your collateral loan. If you do want to proceed, just sign the pledge agreement, and we’ll give you 100% of your loan amount in minutes, with the option to receive your loan via cash, check, or money order– the choice is yours!
Over the course of your loan, your asset will be protected and fully insured by Lloyd’s of London, with 24/7 holding in a State of the art vault in the GIA building, one of the most secure buildings in the nation. Renew your loan at the end of its term, or close out and get your watch safely back in your hands.
When you’re dealing with such a high-value item, it’s essential that you work with a team you can trust. Not all watch collateral lenders are the same. We are a licensed and bonded lender rather than a pawn shop, and a luxury watch collateral loan with us is fully insured by Lloyd’s of London for its entire term. Our collateral loan service provides a wide range of benefits, all of which are intended to ensure your ultimate satisfaction from start to finish.
If you’re looking to get a loan against your watch and access fast, discreet funding, a collateral watch loan is one of the most secure and efficient ways to unlock its value. At Qollateral, we specialize in providing loans against watches from luxury brands like Rolex, Patek Philippe, Audemars Piguet, and more. A loan against luxury watches like these is the single most common transaction we handle.
Our experts offer same-day valuations and on-the-spot funding, ensuring you receive fair market value without the complications of traditional lending. Every transaction is fully insured and handled with the highest level of confidentiality, making Qollateral the trusted choice for clients seeking a safe and professional way to turn their timepiece into working capital.
Looking to sell your luxury timepiece outright instead of borrowing against it? We buy watches, too. Our NYC team gives you the same expert appraisal and a fair payout with no obligation, and you can start that process on our Sell An Item page.
Get liquidity from your luxury watch without selling. Using a luxury watch as collateral for a loan is not a taxable event, so you defer capital gains and keep your asset, along with any future appreciation, in your name.
Rolex Oyster Perpetual Sky-Dweller Ref. 326934
Audemars Piguet Royal Oak Selfwinding 41mm Watch
Audemars Piguet Royal Oak Offshore Chronograph 42mm
2016 Porsche Boxster Spyder (981 generation)
Rolex Yellow Gold Sky Dweller 336938 Champagne
Audemars Piguet Royal Oak Chronograph in 18k Rose Gold
Rolex Land-Dweller 40mm Ref. 127334
Rolex Sky-Dweller 42mm Blue Dial Ref. 326934
Rolex Tiffany Oyster Perpetual Ref. 277200
Rolex GMT-Master II Sprite Black Dial
14k Yellow Gold Solid Cuban Link Chain
Audemars Piguet Royal Oak Offshore “Panda” (Ref. 26170ST)
Patek Philippe 5980
Rolex Datejust Ref 126334
Patek Philippe 5811/1g-001
Patek Philippe 5961r-010
Patek Philippe 5990/1R-001
Rolex Datejust Ref 126300
Hermès Birkin 25
Vacheron Constantin Gold Ref X45RV127
Rolex President Ombré Green Dial 228238 ref
Rolex Hulk Submariner 116610LV
Van Cleef & Arpels Lady Arpels Pont des Amoureux Watch
Rolex Day-Date President Ref 218348
Cartier Love bracelet in Yellow Gold
Rolex Datejust 178271
Audemars Piguet Royal Oak ref. 77450SR
Rolex Datejust Ref 126334
Audemars Piguet Royal Oak Ref 15500ST.00.1220ST.03
Bvlgari Serpenti Tubogas Gold Watch Ref 101923
Royal Oak Stainless Steel Diamond Bezel Grey Dial
Day-date 36mm Presidential Watch 118235A
Royal Oak Offshore 2020
Day-date 41mm Presidential Watch 218238
2022 BMW M5 Competition Sport
Aquanaut 5168G 2024
McLaren 600 LT Papaya Orange
Patek Philippe Nautilus 5980/1r
30 Himalaya Hermès Birkin Bag
Royal Oak Stainless Steel Bust Down Watch
Rolex Date Just Watch 41, Ref 126334
Rose Aquanaut Dual Time
Royal Oak Double Balance Openworked – Factory-Set Diamond Baguette Bezel
Rose Gold Nautilus
Faubourg “House Birkin” – Night
30 Himalayan Gris Cendre
Sellier 20 Doré Chevre Chamkilight – Permabrass Hardware (“Mini Kelly”)
Panini Flawless /25
1964 Barratt & Co. Ltd Famous Footballers Series A.12 — PSA 9
1998-99 Bowman’s Best Atomic Refractor
2002 Topps Chrome “Own the Game” Refractor
2x Canadian Gold Maple Leaf 1 oz
GMT-Master II “Sprite” Green/Black Bezel Jubilee Bracelet Watch
Fine Gold Bar Encased
1952 Mickey Mantle #311 PSA 6
2022 One Piece Monkey D. Luffy Super Pre Release Winner PSA 10
2025 One Piece OP13 EN Portgase D Ace Red Manga PSA 10
2022 One Piece OP01 EN Shanks Manga PSA 10
Audemars Piguet Royal Oak Mini Pink Frosted Gold Quartz
Panthère de Cartier Watch
Bvlgari Serpenti Tubogas Lady Watch 18kt Yellow Gold
Bvlgari Serpenti Viper Necklace Rose Gold Necklaces
Hermès Kelly 25 Blue Frida Epsom Sellier
Online collateral loans can be secured against a wide range of luxury assets. This includes (but is not limited to):
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Online and in-person consultations are available by appointment only. We arrange loans on high-end watches in NYC from our office in the International Gem Tower. Clients nationwide can receive valuations via fully insured, pre-paid shipping. Please contact us today to get started.
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This short video explains how to get a a loan against your watch with Qollateral. Learn how we help clients unlock fast, discreet funding using luxury watches with no credit checks, no income verification, and same-day payouts.
Discover how to secure a loan against luxury watches like Rolex and Patek Philippe with our step-by-step guide.
Looking to secure high-offer Rolex cash loans? Call or text us for all hassle-free watch loans with same day payouts! Trusted by thousands nationwide.
Luxury watches are some of the most frequent assets our clients borrow against at Qollateral. Discover why getting a loan with Qollateral is a smart move.
